diff --git a/Makefile b/Makefile
index ea87a6505e..cdc60c0a9d 100644
--- a/Makefile
+++ b/Makefile
@@ -35,13 +35,13 @@ ITEST_LDFLAGS := -ldflags "-X $(PKG)/build.Commit=$(COMMIT)"
 RELEASE_LDFLAGS := $(call make_ldflags, $(RELEASE_TAGS), -s -w -buildid=)
 
 DCRD_REPO := github.com/decred/dcrd
-DCRD_COMMIT := v1.8.0
+DCRD_COMMIT := 3d4d27280b43207c2891b733a3d33fdfb411b555
 DCRD_META := "$(DCRD_COMMIT).from-dcrlnd"
 DCRD_LDFLAGS := "-X github.com/decred/dcrd/internal/version.BuildMetadata=$(DCRD_META)"
 DCRD_TMPDIR := $(shell mktemp -d)
 
 DCRWALLET_REPO := github.com/decred/dcrwallet
-DCRWALLET_COMMIT := v3.0.0
+DCRWALLET_COMMIT := 1920377bb49f66318ed4630de9a32b245f90d2a2
 DCRWALLET_META := $(DCRWALLET_COMMIT).from-dcrlnd
 DCRWALLET_LDFLAGS := "-X decred.org/dcrwallet/version.BuildMetadata=$(DCRWALLET_META)"
 DCRWALLET_TMPDIR := $(shell mktemp -d)
diff --git a/build/version.go b/build/version.go
index 628cb0bec7..c04541f4c8 100644
--- a/build/version.go
+++ b/build/version.go
@@ -26,7 +26,7 @@ const (
 // versioning 2.0.0 spec (https://semver.org/).
 const (
 	appMajor uint = 0
-	appMinor uint = 6
+	appMinor uint = 7
 	appPatch uint = 0
 )
 
diff --git a/chainntnfs/dcrwnotify/dcrw.go b/chainntnfs/dcrwnotify/dcrw.go
index 0146d548c4..387389cdec 100644
--- a/chainntnfs/dcrwnotify/dcrw.go
+++ b/chainntnfs/dcrwnotify/dcrw.go
@@ -3,7 +3,7 @@ package dcrwnotify
 import (
 	"context"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/wire"
diff --git a/chainntnfs/dcrwnotify/driver.go b/chainntnfs/dcrwnotify/driver.go
index bd051ffee8..e1b212c598 100644
--- a/chainntnfs/dcrwnotify/driver.go
+++ b/chainntnfs/dcrwnotify/driver.go
@@ -4,7 +4,7 @@ import (
 	"errors"
 	"fmt"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrlnd/blockcache"
 	"github.com/decred/dcrlnd/chainntnfs"
diff --git a/chainntnfs/remotedcrwnotify/remotedcrw.go b/chainntnfs/remotedcrwnotify/remotedcrw.go
index 15dc818ca2..25f10ca43c 100644
--- a/chainntnfs/remotedcrwnotify/remotedcrw.go
+++ b/chainntnfs/remotedcrwnotify/remotedcrw.go
@@ -3,7 +3,7 @@ package remotedcrwnotify
 import (
 	"context"
 
-	"decred.org/dcrwallet/v3/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/wire"
diff --git a/chainntnfs/test/test_interface.go b/chainntnfs/test/test_interface.go
index ba5a6685e5..f08dfccfab 100644
--- a/chainntnfs/test/test_interface.go
+++ b/chainntnfs/test/test_interface.go
@@ -13,7 +13,7 @@ import (
 	"testing"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrutil/v4"
diff --git a/chainscan/csdrivers/dcrwdriver.go b/chainscan/csdrivers/dcrwdriver.go
index 3d71a57dce..b4fe571b50 100644
--- a/chainscan/csdrivers/dcrwdriver.go
+++ b/chainscan/csdrivers/dcrwdriver.go
@@ -5,8 +5,8 @@ import (
 	"sync"
 	"time"
 
-	"decred.org/dcrwallet/v3/errors"
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/errors"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/gcs/v4"
 	"github.com/decred/dcrd/wire"
diff --git a/chainscan/csdrivers/dcrwdriver_test.go b/chainscan/csdrivers/dcrwdriver_test.go
index dcfb928bcc..f5122d9e55 100644
--- a/chainscan/csdrivers/dcrwdriver_test.go
+++ b/chainscan/csdrivers/dcrwdriver_test.go
@@ -8,7 +8,7 @@ import (
 	"testing"
 	"time"
 
-	"decred.org/dcrwallet/v3/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/gcs/v4"
diff --git a/chainscan/csdrivers/remotedcrwdriver.go b/chainscan/csdrivers/remotedcrwdriver.go
index 69d218fcc0..103f115ae1 100644
--- a/chainscan/csdrivers/remotedcrwdriver.go
+++ b/chainscan/csdrivers/remotedcrwdriver.go
@@ -7,7 +7,7 @@ import (
 	"sync"
 	"time"
 
-	"decred.org/dcrwallet/v3/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/gcs/v4"
 	"github.com/decred/dcrd/gcs/v4/blockcf2"
diff --git a/chainscan/examples/dcrwallethistorical/main.go b/chainscan/examples/dcrwallethistorical/main.go
index b07d35c83a..6b930ce274 100644
--- a/chainscan/examples/dcrwallethistorical/main.go
+++ b/chainscan/examples/dcrwallethistorical/main.go
@@ -12,7 +12,7 @@ import (
 	"path/filepath"
 	"time"
 
-	"decred.org/dcrwallet/v3/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrutil/v4"
 	"github.com/decred/dcrd/txscript/v4/stdaddr"
diff --git a/config_builder.go b/config_builder.go
index 1f0d43c216..9f0a648e53 100644
--- a/config_builder.go
+++ b/config_builder.go
@@ -9,7 +9,7 @@ import (
 	"path/filepath"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrlnd/blockcache"
 	"github.com/decred/dcrlnd/btcwalletcompat"
@@ -568,10 +568,11 @@ func (d *DefaultWalletImpl) BuildWalletConfig(ctx context.Context,
 			d.cfg.ActiveNetParams.Params)
 	case !isRemoteWallet && d.cfg.Dcrwallet.SPV:
 		spvCfg := &dcrwallet.SPVSyncerConfig{
-			Peers:      d.cfg.Dcrwallet.SPVConnect,
-			Net:        d.cfg.ActiveNetParams.Params,
-			AppDataDir: filepath.Join(d.cfg.Decred.ChainDir),
-			DialFunc:   d.cfg.Dcrwallet.DialFunc,
+			Peers:          d.cfg.Dcrwallet.SPVConnect,
+			Net:            d.cfg.ActiveNetParams.Params,
+			AppDataDir:     filepath.Join(d.cfg.Decred.ChainDir),
+			DialFunc:       d.cfg.Dcrwallet.DialFunc,
+			DisableRelayTx: d.cfg.Dcrwallet.DisableRelayTx,
 		}
 		walletConfig.Syncer, err = dcrwallet.NewSPVSyncer(spvCfg)
 	}
@@ -932,6 +933,7 @@ func waitForWalletPassword(cfg *Config,
 			birthday = cipherSeed.BirthdayTime()
 			newWallet, err = loader.CreateNewWallet(
 				ctx, password, password, cipherSeed.Entropy[:],
+				birthday,
 			)
 
 		// No seed was given, we're importing a wallet from its extended
diff --git a/dcrlnd.go b/dcrlnd.go
index 79c49d0f07..13db835d10 100644
--- a/dcrlnd.go
+++ b/dcrlnd.go
@@ -6,8 +6,9 @@ import (
 	"errors"
 	"fmt"
 	"io"
+	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrlnd/chainreg"
 	"github.com/decred/dcrlnd/lnrpc/initchainsyncrpc"
 	"github.com/decred/dcrlnd/lnwallet"
@@ -81,7 +82,8 @@ func noSeedBackupWalletInit(ctx context.Context, cfg *Config, privPass, pubPass
 	if _, err := io.ReadFull(rand.Reader, seed[:]); err != nil {
 		return nil, err
 	}
-	return loader.CreateNewWallet(ctx, pubPass, privPass, seed[:])
+	return loader.CreateNewWallet(ctx, pubPass, privPass, seed[:],
+		time.Now().Add(-time.Hour*24))
 }
 
 type RemoteWalletBuilder struct {
diff --git a/docker/dcrwallet/main.go b/docker/dcrwallet/main.go
index 3a69051a5a..f591c143ab 100644
--- a/docker/dcrwallet/main.go
+++ b/docker/dcrwallet/main.go
@@ -7,7 +7,7 @@ import (
 	"fmt"
 	"os"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"google.golang.org/grpc"
 	"google.golang.org/grpc/credentials"
 )
diff --git a/go.mod b/go.mod
index 8f1491a5ff..d59dc3c121 100644
--- a/go.mod
+++ b/go.mod
@@ -1,33 +1,33 @@
 module github.com/decred/dcrlnd
 
-go 1.18
+go 1.20
 
 require (
-	decred.org/dcrwallet/v3 v3.1.1-0.20240303162647-7352f6fb06da
+	decred.org/dcrwallet/v4 v4.0.0-20240516171148-1920377bb49f
 	github.com/NebulousLabs/go-upnp v0.0.0-20181203152547-b32978b8ccbf
 	github.com/Yawning/aez v0.0.0-20211027044916-e49e68abd344
 	github.com/bahlo/generic-list-go v0.2.0
 	github.com/btcsuite/btcwallet/walletdb v1.4.0
 	github.com/coreos/go-systemd v0.0.0-20191104093116-d3cd4ed1dbcf
 	github.com/davecgh/go-spew v1.1.1
-	github.com/decred/dcrd/addrmgr/v2 v2.0.2
+	github.com/decred/dcrd/addrmgr/v2 v2.0.3
 	github.com/decred/dcrd/bech32 v1.1.3
-	github.com/decred/dcrd/blockchain/stake/v5 v5.0.0
-	github.com/decred/dcrd/blockchain/standalone/v2 v2.2.0
+	github.com/decred/dcrd/blockchain/stake/v5 v5.0.1
+	github.com/decred/dcrd/blockchain/standalone/v2 v2.2.1
 	github.com/decred/dcrd/chaincfg/chainhash v1.0.4
-	github.com/decred/dcrd/chaincfg/v3 v3.2.0
+	github.com/decred/dcrd/chaincfg/v3 v3.2.1
 	github.com/decred/dcrd/connmgr v1.1.1
 	github.com/decred/dcrd/dcrec v1.0.1
 	github.com/decred/dcrd/dcrec/secp256k1/v2 v2.0.1
-	github.com/decred/dcrd/dcrec/secp256k1/v4 v4.2.0
+	github.com/decred/dcrd/dcrec/secp256k1/v4 v4.3.0
 	github.com/decred/dcrd/dcrjson/v4 v4.0.1
-	github.com/decred/dcrd/dcrutil/v4 v4.0.1
-	github.com/decred/dcrd/gcs/v4 v4.0.0
-	github.com/decred/dcrd/hdkeychain/v3 v3.1.1
-	github.com/decred/dcrd/rpc/jsonrpc/types/v4 v4.1.0
-	github.com/decred/dcrd/rpcclient/v8 v8.0.0
-	github.com/decred/dcrd/txscript/v4 v4.1.0
-	github.com/decred/dcrd/wire v1.6.0
+	github.com/decred/dcrd/dcrutil/v4 v4.0.2
+	github.com/decred/dcrd/gcs/v4 v4.1.0
+	github.com/decred/dcrd/hdkeychain/v3 v3.1.2
+	github.com/decred/dcrd/rpc/jsonrpc/types/v4 v4.2.0
+	github.com/decred/dcrd/rpcclient/v8 v8.0.1
+	github.com/decred/dcrd/txscript/v4 v4.1.1
+	github.com/decred/dcrd/wire v1.7.0
 	github.com/decred/dcrtest/dcrdtest v1.0.1-0.20231217203517-3d06801da382
 	github.com/decred/lightning-onion/v4 v4.0.0
 	github.com/decred/slog v1.2.0
@@ -37,7 +37,7 @@ require (
 	github.com/golang/glog v1.1.2
 	github.com/golang/protobuf v1.5.3
 	github.com/google/btree v1.1.2
-	github.com/gorilla/websocket v1.5.0
+	github.com/gorilla/websocket v1.5.1
 	github.com/grpc-ecosystem/go-grpc-middleware v1.4.0
 	github.com/grpc-ecosystem/go-grpc-prometheus v1.2.0
 	github.com/grpc-ecosystem/grpc-gateway/v2 v2.5.0
@@ -60,12 +60,12 @@ require (
 	go.etcd.io/etcd/client/pkg/v3 v3.5.7
 	go.etcd.io/etcd/client/v3 v3.5.7
 	go.etcd.io/etcd/server/v3 v3.5.7
-	golang.org/x/crypto v0.15.0
+	golang.org/x/crypto v0.23.0
 	golang.org/x/exp v0.0.0-20231110203233-9a3e6036ecaa
-	golang.org/x/net v0.18.0
-	golang.org/x/sync v0.5.0
-	golang.org/x/sys v0.14.0
-	golang.org/x/term v0.14.0
+	golang.org/x/net v0.25.0
+	golang.org/x/sync v0.7.0
+	golang.org/x/sys v0.20.0
+	golang.org/x/term v0.20.0
 	golang.org/x/time v0.1.0
 	golang.org/x/xerrors v0.0.0-20220907171357-04be3eba64a2
 	google.golang.org/grpc v1.59.0
@@ -76,7 +76,7 @@ require (
 )
 
 require (
-	decred.org/cspp/v2 v2.1.0 // indirect
+	decred.org/cspp/v2 v2.2.0 // indirect
 	github.com/agl/ed25519 v0.0.0-20170116200512-5312a6153412 // indirect
 	github.com/asaskevich/govalidator v0.0.0-20190424111038-f61b66f89f4a // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
@@ -88,16 +88,17 @@ require (
 	github.com/dchest/siphash v1.2.3 // indirect
 	github.com/decred/base58 v1.0.5 // indirect
 	github.com/decred/dcrd v1.8.0 // indirect
-	github.com/decred/dcrd/certgen v1.1.2 // indirect
+	github.com/decred/dcrd/certgen v1.1.3 // indirect
 	github.com/decred/dcrd/chaincfg v1.5.2 // indirect
-	github.com/decred/dcrd/connmgr/v3 v3.1.1 // indirect
+	github.com/decred/dcrd/connmgr/v3 v3.1.2 // indirect
 	github.com/decred/dcrd/container/apbf v1.0.1 // indirect
 	github.com/decred/dcrd/crypto/blake256 v1.0.1 // indirect
 	github.com/decred/dcrd/crypto/ripemd160 v1.0.2 // indirect
-	github.com/decred/dcrd/database/v3 v3.0.1 // indirect
+	github.com/decred/dcrd/database/v3 v3.0.2 // indirect
 	github.com/decred/dcrd/dcrec/edwards/v2 v2.0.3 // indirect
 	github.com/decred/dcrd/lru v1.1.2 // indirect
 	github.com/decred/dcrd/math/uint256 v1.0.1 // indirect
+	github.com/decred/dcrd/mixing v0.1.0 // indirect
 	github.com/decred/dcrd/peer/v3 v3.0.2 // indirect
 	github.com/decred/go-socks v1.1.0 // indirect
 	github.com/dustin/go-humanize v1.0.1 // indirect
@@ -160,7 +161,7 @@ require (
 	go.uber.org/multierr v1.11.0 // indirect
 	go.uber.org/zap v1.24.0 // indirect
 	golang.org/x/mod v0.14.0 // indirect
-	golang.org/x/text v0.14.0 // indirect
+	golang.org/x/text v0.15.0 // indirect
 	golang.org/x/tools v0.15.0 // indirect
 	google.golang.org/genproto v0.0.0-20231030173426-d783a09b4405 // indirect
 	google.golang.org/genproto/googleapis/api v0.0.0-20231106174013-bbf56f31fb17 // indirect
@@ -169,6 +170,6 @@ require (
 	gopkg.in/natefinch/lumberjack.v2 v2.0.0 // indirect
 	gopkg.in/yaml.v2 v2.4.0 // indirect
 	gopkg.in/yaml.v3 v3.0.1 // indirect
-	lukechampine.com/blake3 v1.2.1 // indirect
+	lukechampine.com/blake3 v1.3.0 // indirect
 	sigs.k8s.io/yaml v1.3.0 // indirect
 )
diff --git a/go.sum b/go.sum
index 351f826103..8d790b510a 100644
--- a/go.sum
+++ b/go.sum
@@ -33,10 +33,10 @@ cloud.google.com/go/storage v1.5.0/go.mod h1:tpKbwo567HUNpVclU5sGELwQWBDZ8gh0Zeo
 cloud.google.com/go/storage v1.6.0/go.mod h1:N7U0C8pVQ/+NIKOBQyamJIeKQKkZ+mxpohlUTyfDhBk=
 cloud.google.com/go/storage v1.8.0/go.mod h1:Wv1Oy7z6Yz3DshWRJFhqM/UCfaWIRTdp0RXyy7KQOVs=
 cloud.google.com/go/storage v1.10.0/go.mod h1:FLPqc6j+Ki4BU591ie1oL6qBQGu2Bl/tZ9ullr3+Kg0=
-decred.org/cspp/v2 v2.1.0 h1:HeHb9+BFqrBaAPc6CsPiUpPFmC1uyBM2mJZUAbUXkRw=
-decred.org/cspp/v2 v2.1.0/go.mod h1:9nO3bfvCheOPIFZw5f6sRQ42CjBFB5RKSaJ9Iq6G4MA=
-decred.org/dcrwallet/v3 v3.1.1-0.20240303162647-7352f6fb06da h1:+Eo0YaA1yYjBrur5TXcQ2WCR8b/nLGYqVVMvWIrkQyo=
-decred.org/dcrwallet/v3 v3.1.1-0.20240303162647-7352f6fb06da/go.mod h1:KYWzL2R6ghBLSvB7XXU9S29QwgcqnApCvONMDJ6KCR0=
+decred.org/cspp/v2 v2.2.0 h1:VSOUC1w0Wo+QOGS0r1XO6TLnO16X67KuvpDmRRYyr08=
+decred.org/cspp/v2 v2.2.0/go.mod h1:9nO3bfvCheOPIFZw5f6sRQ42CjBFB5RKSaJ9Iq6G4MA=
+decred.org/dcrwallet/v4 v4.0.0-20240516171148-1920377bb49f h1:N5J6Dyq1yN8kDcF8S6MPgLDx0WmGqtyY5k3mXpgDCzE=
+decred.org/dcrwallet/v4 v4.0.0-20240516171148-1920377bb49f/go.mod h1:LiqE26KHkc+yiDA5D/wp+x/4ir1ylHQurDNxwgsfkP4=
 dmitri.shuralyov.com/gpu/mtl v0.0.0-20190408044501-666a987793e9/go.mod h1:H6x//7gZCb22OMCxBHrMx7a5I7Hp++hsVxbQ4BYO7hU=
 github.com/BurntSushi/toml v0.3.1 h1:WXkYYl6Yr3qBf1K79EBnL4mak0OimBfB0XUf9Vl28OQ=
 github.com/BurntSushi/toml v0.3.1/go.mod h1:xHWCNGjB5oqiDr8zfno3MHue2Ht5sIBksp03qcyfWMU=
@@ -109,17 +109,17 @@ github.com/decred/base58 v1.0.5 h1:hwcieUM3pfPnE/6p3J100zoRfGkQxBulZHo7GZfOqic=
 github.com/decred/base58 v1.0.5/go.mod h1:s/8lukEHFA6bUQQb/v3rjUySJ2hu+RioCzLukAVkrfw=
 github.com/decred/dcrd v1.8.0 h1:aIqX3VnY9CCcOwI5kskGTw+LH5B4Am+6kjfnN/xkyks=
 github.com/decred/dcrd v1.8.0/go.mod h1:s8ccr5TraoSCGorOTpnludpwfKqEI8cjoAbmylbb6uw=
-github.com/decred/dcrd/addrmgr/v2 v2.0.2 h1:h7PF1FoWcGUBcOhon7hK4Du7gT4KJb2/dCC4SVVnvgI=
-github.com/decred/dcrd/addrmgr/v2 v2.0.2/go.mod h1:lMupOhByAzVJN7EFWSGLeGTrlvvx38uCY4D+bPf2AT4=
+github.com/decred/dcrd/addrmgr/v2 v2.0.3 h1:Bf52dr7abbXiSy9WOoEt1NaZGZyk43x7GcoFfiZJSUo=
+github.com/decred/dcrd/addrmgr/v2 v2.0.3/go.mod h1:661DIS/De2iLNLMwIKazUQfQypUqJ5om7PXNX0fEMms=
 github.com/decred/dcrd/bech32 v1.1.3 h1:EeipVC1dO4zkjTjyqvrWt6JT2Ajr1EHZt+BAmWN864s=
 github.com/decred/dcrd/bech32 v1.1.3/go.mod h1:jliqHZmCbVfT06Lh1mQywEKFVidRclbBJIUmwdoKhu0=
-github.com/decred/dcrd/blockchain/stake/v5 v5.0.0 h1:WyxS8zMvTMpC5qYC9uJY+UzuV/x9ko4z20qBtH5Hzzs=
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@@ -128,12 +128,12 @@ github.com/decred/dcrd/chaincfg/chainhash v1.0.3/go.mod h1:BpbrGgrPTr3YJYRN3Bm+D
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@@ -142,8 +142,8 @@ github.com/decred/dcrd/crypto/blake256 v1.0.1/go.mod h1:2OfgNZ5wDpcsFmHmCK5gZTPc
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@@ -155,34 +155,36 @@ github.com/decred/dcrd/dcrec/secp256k1 v1.0.1/go.mod h1:lhu4eZFSfTJWUnR3CFRcpD+V
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@@ -332,8 +334,8 @@ github.com/google/uuid v1.3.1 h1:KjJaJ9iWZ3jOFZIf1Lqf4laDRCasjl0BCmnEGxkdLb4=
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@@ -661,8 +663,8 @@ golang.org/x/crypto v0.0.0-20210616213533-5ff15b29337e/go.mod h1:GvvjBRRGRdwPK5y
 golang.org/x/crypto v0.0.0-20210711020723-a769d52b0f97/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
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@@ -739,8 +741,8 @@ golang.org/x/net v0.0.0-20210410081132-afb366fc7cd1/go.mod h1:9tjilg8BloeKEkVJvy
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 golang.org/x/oauth2 v0.0.0-20180821212333-d2e6202438be/go.mod h1:N/0e6XlmueqKjAGxoOufVs8QHGRruUQn6yWY3a++T0U=
 golang.org/x/oauth2 v0.0.0-20190226205417-e64efc72b421/go.mod h1:gOpvHmFTYa4IltrdGE7lF6nIHvwfUNPOp7c8zoXwtLw=
 golang.org/x/oauth2 v0.0.0-20190604053449-0f29369cfe45/go.mod h1:gOpvHmFTYa4IltrdGE7lF6nIHvwfUNPOp7c8zoXwtLw=
@@ -760,8 +762,8 @@ golang.org/x/sync v0.0.0-20200625203802-6e8e738ad208/go.mod h1:RxMgew5VJxzue5/jJ
 golang.org/x/sync v0.0.0-20201020160332-67f06af15bc9/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20210220032951-036812b2e83c/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.5.0 h1:60k92dhOjHxJkrqnwsfl8KuaHbn/5dl0lUPUklKo3qE=
-golang.org/x/sync v0.5.0/go.mod h1:Czt+wKu1gCyEFDUtn0jG5QVvpJ6rzVqr5aXyt9drQfk=
+golang.org/x/sync v0.7.0 h1:YsImfSBoP9QPYL0xyKJPq0gcaJdG3rInoqxTWbfQu9M=
+golang.org/x/sync v0.7.0/go.mod h1:Czt+wKu1gCyEFDUtn0jG5QVvpJ6rzVqr5aXyt9drQfk=
 golang.org/x/sys v0.0.0-20180830151530-49385e6e1522/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20180905080454-ebe1bf3edb33/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20180909124046-d0be0721c37e/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
@@ -816,14 +818,14 @@ golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBc
 golang.org/x/sys v0.0.0-20220715151400-c0bba94af5f8/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.5.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.14.0 h1:Vz7Qs629MkJkGyHxUlRHizWJRG2j8fbQKjELVSNhy7Q=
-golang.org/x/sys v0.14.0/go.mod h1:/VUhepiaJMQUp4+oa/7Zr1D23ma6VTLIYjOOTFZPUcA=
+golang.org/x/sys v0.20.0 h1:Od9JTbYCk261bKm4M/mw7AklTlFYIa0bIp9BgSm1S8Y=
+golang.org/x/sys v0.20.0/go.mod h1:/VUhepiaJMQUp4+oa/7Zr1D23ma6VTLIYjOOTFZPUcA=
 golang.org/x/term v0.0.0-20201117132131-f5c789dd3221/go.mod h1:Nr5EML6q2oocZ2LXRh80K7BxOlk5/8JxuGnuhpl+muw=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/term v0.5.0/go.mod h1:jMB1sMXY+tzblOD4FWmEbocvup2/aLOaQEp7JmGp78k=
-golang.org/x/term v0.14.0 h1:LGK9IlZ8T9jvdy6cTdfKUCltatMFOehAQo9SRC46UQ8=
-golang.org/x/term v0.14.0/go.mod h1:TySc+nGkYR6qt8km8wUhuFRTVSMIX3XPR58y2lC8vww=
+golang.org/x/term v0.20.0 h1:VnkxpohqXaOBYJtBmEppKUG6mXpi+4O6purfc2+sMhw=
+golang.org/x/term v0.20.0/go.mod h1:8UkIAJTvZgivsXaD6/pH6U9ecQzZ45awqEOzuCvwpFY=
 golang.org/x/text v0.0.0-20170915032832-14c0d48ead0c/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.1-0.20180807135948-17ff2d5776d2/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
@@ -834,8 +836,8 @@ golang.org/x/text v0.3.5/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.6/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.7.0/go.mod h1:mrYo+phRRbMaCq/xk9113O4dZlRixOauAjOtrjsXDZ8=
-golang.org/x/text v0.14.0 h1:ScX5w1eTa3QqT8oi6+ziP7dTV1S2+ALU0bI+0zXKWiQ=
-golang.org/x/text v0.14.0/go.mod h1:18ZOQIKpY8NJVqYksKHtTdi31H5itFRjB5/qKTNYzSU=
+golang.org/x/text v0.15.0 h1:h1V/4gjBv8v9cjcR6+AR5+/cIYK5N/WAgiv4xlsEtAk=
+golang.org/x/text v0.15.0/go.mod h1:18ZOQIKpY8NJVqYksKHtTdi31H5itFRjB5/qKTNYzSU=
 golang.org/x/time v0.0.0-20181108054448-85acf8d2951c/go.mod h1:tRJNPiyCQ0inRvYxbN9jk5I+vvW/OXSQhTDSoE431IQ=
 golang.org/x/time v0.0.0-20190308202827-9d24e82272b4/go.mod h1:tRJNPiyCQ0inRvYxbN9jk5I+vvW/OXSQhTDSoE431IQ=
 golang.org/x/time v0.0.0-20191024005414-555d28b269f0/go.mod h1:tRJNPiyCQ0inRvYxbN9jk5I+vvW/OXSQhTDSoE431IQ=
@@ -1041,8 +1043,8 @@ honnef.co/go/tools v0.0.0-20190523083050-ea95bdfd59fc/go.mod h1:rf3lG4BRIbNafJWh
 honnef.co/go/tools v0.0.1-2019.2.3/go.mod h1:a3bituU0lyd329TUQxRnasdCoJDkEUEAqEt0JzvZhAg=
 honnef.co/go/tools v0.0.1-2020.1.3/go.mod h1:X/FiERA/W4tHapMX5mGpAtMSVEeEUOyHaw9vFzvIQ3k=
 honnef.co/go/tools v0.0.1-2020.1.4/go.mod h1:X/FiERA/W4tHapMX5mGpAtMSVEeEUOyHaw9vFzvIQ3k=
-lukechampine.com/blake3 v1.2.1 h1:YuqqRuaqsGV71BV/nm9xlI0MKUv4QC54jQnBChWbGnI=
-lukechampine.com/blake3 v1.2.1/go.mod h1:0OFRp7fBtAylGVCO40o87sbupkyIGgbpv1+M1k1LM6k=
+lukechampine.com/blake3 v1.3.0 h1:sJ3XhFINmHSrYCgl958hscfIa3bw8x4DqMP3u1YvoYE=
+lukechampine.com/blake3 v1.3.0/go.mod h1:0OFRp7fBtAylGVCO40o87sbupkyIGgbpv1+M1k1LM6k=
 matheusd.com/testctx v0.1.0 h1:MBpaNuqr23ugnkA59gz8Bd6BQIGkvZr7M4vYAc/Apzc=
 matheusd.com/testctx v0.1.0/go.mod h1:u9la0YA1XIBcEpTU/aHJ9q4/L0VttkwhkG2m4lrj7Ls=
 rsc.io/binaryregexp v0.2.0/go.mod h1:qTv7/COck+e2FymRvadv62gMdZztPaShugOCi3I+8D8=
diff --git a/internal/testutils/embeddedwallet.go b/internal/testutils/embeddedwallet.go
index 1c171af3d0..83dbaa66d4 100644
--- a/internal/testutils/embeddedwallet.go
+++ b/internal/testutils/embeddedwallet.go
@@ -8,10 +8,11 @@ import (
 	"os"
 	"time"
 
-	"decred.org/dcrwallet/v3/chain"
-	"decred.org/dcrwallet/v3/p2p"
-	"decred.org/dcrwallet/v3/spv"
-	wallet "decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/chain"
+	"decred.org/dcrwallet/v4/p2p"
+	"decred.org/dcrwallet/v4/spv"
+	wallet "decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/udb"
 	"github.com/decred/dcrd/addrmgr/v2"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
@@ -33,6 +34,8 @@ func init() {
 	wallet.UseLogger(build.NewSubLogger("DCRW", nil))
 	p2p.UseLogger(build.NewSubLogger("DCRW", nil))
 	spv.UseLogger(build.NewSubLogger("DCRW", nil))
+	chain.UseLogger(build.NewSubLogger("DCRW", nil))
+	udb.UseLogger(build.NewSubLogger("DCRW", nil))
 }
 
 // NewRPCSyncingTestWallet creates a test wallet that syncs itself using the
@@ -56,8 +59,9 @@ func NewRPCSyncingTestWallet(t TB, rpcConfig *rpcclient.ConnConfig) (*wallet.Wal
 
 	pass := []byte("test")
 
+	birthday := time.Now().Add(-time.Hour * 24)
 	w, err := loader.CreateNewWallet(
-		context.Background(), pass, pass, testHDSeed[:],
+		context.Background(), pass, pass, testHDSeed[:], birthday,
 	)
 	if err != nil {
 		t.Fatal(err)
@@ -77,7 +81,13 @@ func NewRPCSyncingTestWallet(t TB, rpcConfig *rpcclient.ConnConfig) (*wallet.Wal
 	syncerCtx, cancel := context.WithCancel(context.Background())
 	initialSync := make(chan struct{})
 	syncer.SetCallbacks(&chain.Callbacks{
-		Synced: func(_ bool) { close(initialSync) },
+		Synced: func(_ bool) {
+			select {
+			case <-initialSync:
+			default:
+				close(initialSync)
+			}
+		},
 	})
 	go syncer.Run(syncerCtx)
 
@@ -121,8 +131,9 @@ func NewSPVSyncingTestWallet(t TB, p2pAddr string) (*wallet.Wallet, func()) {
 
 	pass := []byte("test")
 
+	birthday := time.Now().Add(-time.Hour * 24)
 	w, err := loader.CreateNewWallet(
-		context.Background(), pass, pass, testHDSeed[:],
+		context.Background(), pass, pass, testHDSeed[:], birthday,
 	)
 	if err != nil {
 		t.Fatal(err)
@@ -138,11 +149,33 @@ func NewSPVSyncingTestWallet(t TB, p2pAddr string) (*wallet.Wallet, func()) {
 	lp := p2p.NewLocalPeer(w.ChainParams(), addr, amgr)
 	syncer := spv.NewSyncer(w, lp)
 	syncer.SetPersistentPeers([]string{p2pAddr})
+	syncedChan := make(chan struct{})
+	spvNtfns := &spv.Notifications{
+		Synced: func(isSynced bool) {
+			if isSynced {
+				select {
+				case <-syncedChan:
+				default:
+					close(syncedChan)
+				}
+			}
+		},
+	}
+	syncer.SetNotifications(spvNtfns)
 	w.SetNetworkBackend(syncer)
 	ctx, cancel := context.WithCancel(context.Background())
 	syncerChan := make(chan error, 1)
 	go func() { syncerChan <- syncer.Run(ctx) }()
 
+	// Wait until the initial sync completes.
+	select {
+	case <-syncedChan:
+	case err := <-syncerChan:
+		t.Fatalf("syncer.Run failed: %v", err)
+	case <-time.After(30 * time.Second):
+		t.Fatalf("timeout waiting for initial spv sync")
+	}
+
 	cleanUp := func() {
 		cancel()
 		select {
diff --git a/internal/testutils/remotewallet.go b/internal/testutils/remotewallet.go
index 3a7abf7526..5c30ec97da 100644
--- a/internal/testutils/remotewallet.go
+++ b/internal/testutils/remotewallet.go
@@ -12,7 +12,7 @@ import (
 	"sync/atomic"
 	"time"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/rpcclient/v8"
 	"github.com/decred/dcrlnd/lntest/wait"
 	"google.golang.org/grpc"
diff --git a/lncfg/dcrwallet.go b/lncfg/dcrwallet.go
index e67afa0330..073b5bce6f 100644
--- a/lncfg/dcrwallet.go
+++ b/lncfg/dcrwallet.go
@@ -1,6 +1,6 @@
 package lncfg
 
-import "decred.org/dcrwallet/v3/p2p"
+import "decred.org/dcrwallet/v4/p2p"
 
 type DcrwalletConfig struct {
 	GRPCHost       string `long:"grpchost" description:"The wallet's grpc listening address. If a port is omitted, then the default port for the selected chain parameters will be used."`
@@ -12,5 +12,7 @@ type DcrwalletConfig struct {
 	SPV        bool     `long:"spv" description:"Whether to use SPV mode when using an embedded wallet"`
 	SPVConnect []string `long:"spvconnect" description:"Addresses to connect to when using spv mode"`
 
+	DisableRelayTx bool `long:"disablerelaytx" description:"Disable receiving mempool transactions in SPV mode"`
+
 	DialFunc p2p.DialFunc
 }
diff --git a/lnrpc/walletrpc/walletkit_server.go b/lnrpc/walletrpc/walletkit_server.go
index d94455e19d..c83ee3e038 100644
--- a/lnrpc/walletrpc/walletkit_server.go
+++ b/lnrpc/walletrpc/walletkit_server.go
@@ -13,7 +13,7 @@ import (
 	"path/filepath"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/blockchain/standalone/v2"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec"
diff --git a/lntest/dcrd.go b/lntest/dcrd.go
index 4ca1b16011..5018af4506 100644
--- a/lntest/dcrd.go
+++ b/lntest/dcrd.go
@@ -9,7 +9,7 @@ import (
 	"fmt"
 	"testing"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/rpcclient/v8"
 	rpctest "github.com/decred/dcrtest/dcrdtest"
 )
diff --git a/lntest/dcrlnd_harness.go b/lntest/dcrlnd_harness.go
index a075bc7fc5..f3859dbe71 100644
--- a/lntest/dcrlnd_harness.go
+++ b/lntest/dcrlnd_harness.go
@@ -10,7 +10,7 @@ import (
 	"strings"
 	"time"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrutil/v4"
 	"github.com/decred/dcrd/hdkeychain/v3"
diff --git a/lntest/harness_node.go b/lntest/harness_node.go
index 24f053a372..52146838a9 100644
--- a/lntest/harness_node.go
+++ b/lntest/harness_node.go
@@ -18,7 +18,7 @@ import (
 	"sync/atomic"
 	"time"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrutil/v4"
 	"github.com/decred/dcrd/wire"
diff --git a/lntest/mock/walletcontroller.go b/lntest/mock/walletcontroller.go
index 7a68272a91..1a55c2080d 100644
--- a/lntest/mock/walletcontroller.go
+++ b/lntest/mock/walletcontroller.go
@@ -5,8 +5,8 @@ import (
 	"sync/atomic"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
-	"decred.org/dcrwallet/v3/wallet/txauthor"
+	"decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/txauthor"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
diff --git a/lntest/spv.go b/lntest/spv.go
index 4ed3eea364..a28d6cf40c 100644
--- a/lntest/spv.go
+++ b/lntest/spv.go
@@ -7,7 +7,7 @@ import (
 	"context"
 	"testing"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	rpctest "github.com/decred/dcrtest/dcrdtest"
 )
 
diff --git a/lnwallet/dcrwallet/config.go b/lnwallet/dcrwallet/config.go
index 62cec335af..58ec97f5fa 100644
--- a/lnwallet/dcrwallet/config.go
+++ b/lnwallet/dcrwallet/config.go
@@ -11,14 +11,14 @@ import (
 	"github.com/decred/dcrlnd/lnwallet"
 	"github.com/decred/dcrlnd/lnwallet/chainfee"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	walletloader "github.com/decred/dcrlnd/lnwallet/dcrwallet/loader"
 
 	// This is required to register bdb as a valid walletdb driver. In the
 	// init function of the package, it registers itself. The import is used
 	// to activate the side effects w/o actually binding the package name to
 	// a file-level variable.
-	_ "decred.org/dcrwallet/v3/wallet/drivers/bdb"
+	_ "decred.org/dcrwallet/v4/wallet/drivers/bdb"
 )
 
 // WalletSyncer is an exported interface for the available wallet sync backends
diff --git a/lnwallet/dcrwallet/dcrwchainio.go b/lnwallet/dcrwallet/dcrwchainio.go
index 83f2d3c8be..55695d373f 100644
--- a/lnwallet/dcrwallet/dcrwchainio.go
+++ b/lnwallet/dcrwallet/dcrwchainio.go
@@ -11,8 +11,8 @@ import (
 	"github.com/decred/dcrlnd/chainscan/csdrivers"
 	"github.com/decred/dcrlnd/lnwallet"
 
-	"decred.org/dcrwallet/v3/errors"
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/errors"
+	"decred.org/dcrwallet/v4/wallet"
 )
 
 // Compile time check to ensure DcrWallet fulfills lnwallet.BlockChainIO.
diff --git a/lnwallet/dcrwallet/extended_wallet.go b/lnwallet/dcrwallet/extended_wallet.go
index 3532facf35..b10cf3e40e 100644
--- a/lnwallet/dcrwallet/extended_wallet.go
+++ b/lnwallet/dcrwallet/extended_wallet.go
@@ -3,9 +3,9 @@ package dcrwallet
 import (
 	"context"
 
-	"decred.org/dcrwallet/v3/errors"
-	walleterr "decred.org/dcrwallet/v3/errors"
-	base "decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/errors"
+	walleterr "decred.org/dcrwallet/v4/errors"
+	base "decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
 	"github.com/decred/dcrd/dcrutil/v4"
diff --git a/lnwallet/dcrwallet/keychain.go b/lnwallet/dcrwallet/keychain.go
index 9db38958ce..017bbcd2a2 100644
--- a/lnwallet/dcrwallet/keychain.go
+++ b/lnwallet/dcrwallet/keychain.go
@@ -6,8 +6,8 @@ import (
 	"github.com/decred/dcrlnd/channeldb"
 	"github.com/decred/dcrlnd/keychain"
 
-	"decred.org/dcrwallet/v3/wallet"
-	"decred.org/dcrwallet/v3/wallet/udb"
+	"decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/udb"
 	"github.com/decred/dcrd/hdkeychain/v3"
 )
 
diff --git a/lnwallet/dcrwallet/keychain_test.go b/lnwallet/dcrwallet/keychain_test.go
index 6e0e9f93b5..52679076de 100644
--- a/lnwallet/dcrwallet/keychain_test.go
+++ b/lnwallet/dcrwallet/keychain_test.go
@@ -5,11 +5,12 @@ import (
 	"io/ioutil"
 	"os"
 	"testing"
+	"time"
 
 	"github.com/decred/dcrlnd/channeldb"
 	"github.com/decred/dcrlnd/keychain"
 
-	wallet "decred.org/dcrwallet/v3/wallet"
+	wallet "decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	walletloader "github.com/decred/dcrlnd/lnwallet/dcrwallet/loader"
@@ -34,8 +35,9 @@ func createTestWallet() (func(), *wallet.Wallet, *channeldb.DB, error) {
 
 	pass := []byte("test")
 
+	birthday := time.Now().Add(-time.Hour * 24)
 	baseWallet, err := loader.CreateNewWallet(
-		context.Background(), pass, pass, testHDSeed[:],
+		context.Background(), pass, pass, testHDSeed[:], birthday,
 	)
 	if err != nil {
 		return nil, nil, nil, err
diff --git a/lnwallet/dcrwallet/loader/loader.go b/lnwallet/dcrwallet/loader/loader.go
index abcc811855..0ec48d6f45 100644
--- a/lnwallet/dcrwallet/loader/loader.go
+++ b/lnwallet/dcrwallet/loader/loader.go
@@ -13,10 +13,11 @@ import (
 	"sync"
 	"time"
 
-	"decred.org/dcrwallet/v3/errors"
-	"decred.org/dcrwallet/v3/wallet"
-	_ "decred.org/dcrwallet/v3/wallet/drivers/bdb" // driver loaded during init
-	"decred.org/dcrwallet/v3/wallet/txrules"
+	"decred.org/dcrwallet/v4/errors"
+	"decred.org/dcrwallet/v4/wallet"
+	_ "decred.org/dcrwallet/v4/wallet/drivers/bdb" // driver loaded during init
+	"decred.org/dcrwallet/v4/wallet/txrules"
+	"decred.org/dcrwallet/v4/wallet/udb"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrutil/v4"
 	"github.com/decred/dcrd/hdkeychain/v3"
@@ -205,7 +206,8 @@ func (l *Loader) CreateNewWalletExtendedKey(ctx context.Context,
 // CreateNewWallet creates a new wallet using the provided public and private
 // passphrases.  The seed is optional.  If non-nil, addresses are derived from
 // this seed.  If nil, a secure random seed is generated.
-func (l *Loader) CreateNewWallet(ctx context.Context, pubPassphrase, privPassphrase, seed []byte) (w *wallet.Wallet, err error) {
+func (l *Loader) CreateNewWallet(ctx context.Context, pubPassphrase,
+	privPassphrase, seed []byte, birthday time.Time) (w *wallet.Wallet, err error) {
 	const op errors.Op = "loader.CreateNewWallet"
 
 	defer l.mu.Unlock()
@@ -281,6 +283,14 @@ func (l *Loader) CreateNewWallet(ctx context.Context, pubPassphrase, privPassphr
 		return nil, errors.E(op, err)
 	}
 
+	bs := &udb.BirthdayState{
+		SetFromTime: true,
+		Time:        birthday,
+	}
+	if err := w.SetBirthState(ctx, bs); err != nil {
+		return nil, errors.E(op, err)
+	}
+
 	l.onLoaded(w, db)
 	return w, nil
 }
diff --git a/lnwallet/dcrwallet/log.go b/lnwallet/dcrwallet/log.go
index a0f348595c..a8a8cf0455 100644
--- a/lnwallet/dcrwallet/log.go
+++ b/lnwallet/dcrwallet/log.go
@@ -1,11 +1,11 @@
 package dcrwallet
 
 import (
-	"decred.org/dcrwallet/v3/chain"
-	"decred.org/dcrwallet/v3/p2p"
-	"decred.org/dcrwallet/v3/spv"
-	base "decred.org/dcrwallet/v3/wallet"
-	"decred.org/dcrwallet/v3/wallet/udb"
+	"decred.org/dcrwallet/v4/chain"
+	"decred.org/dcrwallet/v4/p2p"
+	"decred.org/dcrwallet/v4/spv"
+	base "decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/udb"
 	"github.com/decred/dcrd/addrmgr/v2"
 	"github.com/decred/dcrlnd/build"
 	"github.com/decred/dcrlnd/lnwallet/dcrwallet/loader"
diff --git a/lnwallet/dcrwallet/rpcchainio.go b/lnwallet/dcrwallet/rpcchainio.go
index d0cd7cc4d2..c4177578ad 100644
--- a/lnwallet/dcrwallet/rpcchainio.go
+++ b/lnwallet/dcrwallet/rpcchainio.go
@@ -14,7 +14,7 @@ import (
 	"github.com/decred/dcrlnd/blockcache"
 	"github.com/decred/dcrlnd/lnwallet"
 
-	"decred.org/dcrwallet/v3/errors"
+	"decred.org/dcrwallet/v4/errors"
 )
 
 var (
diff --git a/lnwallet/dcrwallet/rpcsync.go b/lnwallet/dcrwallet/rpcsync.go
index 2fcb9be59f..6cb7df2fa7 100644
--- a/lnwallet/dcrwallet/rpcsync.go
+++ b/lnwallet/dcrwallet/rpcsync.go
@@ -8,8 +8,8 @@ import (
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/rpcclient/v8"
 
-	"decred.org/dcrwallet/v3/chain"
-	"decred.org/dcrwallet/v3/errors"
+	"decred.org/dcrwallet/v4/chain"
+	"decred.org/dcrwallet/v4/errors"
 )
 
 // RPCSyncer implements the required methods for synchronizing a DcrWallet
diff --git a/lnwallet/dcrwallet/signer.go b/lnwallet/dcrwallet/signer.go
index 434abf71e0..1e985e8eed 100644
--- a/lnwallet/dcrwallet/signer.go
+++ b/lnwallet/dcrwallet/signer.go
@@ -4,8 +4,8 @@ import (
 	"context"
 	"fmt"
 
-	"decred.org/dcrwallet/v3/errors"
-	base "decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/errors"
+	base "decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
diff --git a/lnwallet/dcrwallet/spvsync.go b/lnwallet/dcrwallet/spvsync.go
index 04eec4bddb..1b2950d996 100644
--- a/lnwallet/dcrwallet/spvsync.go
+++ b/lnwallet/dcrwallet/spvsync.go
@@ -10,15 +10,16 @@ import (
 	"github.com/decred/dcrd/addrmgr/v2"
 	"github.com/decred/dcrd/chaincfg/v3"
 
-	"decred.org/dcrwallet/v3/p2p"
-	"decred.org/dcrwallet/v3/spv"
+	"decred.org/dcrwallet/v4/p2p"
+	"decred.org/dcrwallet/v4/spv"
 )
 
 type SPVSyncerConfig struct {
-	Peers      []string
-	Net        *chaincfg.Params
-	AppDataDir string
-	DialFunc   p2p.DialFunc
+	Peers          []string
+	Net            *chaincfg.Params
+	AppDataDir     string
+	DialFunc       p2p.DialFunc
+	DisableRelayTx bool
 }
 
 // SPVSyncer implements the required methods for synchronizing a DcrWallet
@@ -59,6 +60,7 @@ func (s *SPVSyncer) start(w *DcrWallet) error {
 	if s.cfg.DialFunc != nil {
 		lp.SetDialFunc(s.cfg.DialFunc)
 	}
+	lp.SetDisableRelayTx(s.cfg.DisableRelayTx)
 
 	syncer := spv.NewSyncer(w.wallet, lp)
 	if len(s.cfg.Peers) > 0 {
diff --git a/lnwallet/dcrwallet/wallet.go b/lnwallet/dcrwallet/wallet.go
index e0796e6940..a6b28f8aca 100644
--- a/lnwallet/dcrwallet/wallet.go
+++ b/lnwallet/dcrwallet/wallet.go
@@ -23,10 +23,10 @@ import (
 	"github.com/decred/dcrlnd/lnwallet"
 	"github.com/decred/dcrlnd/lnwallet/chainfee"
 
-	"decred.org/dcrwallet/v3/wallet"
-	base "decred.org/dcrwallet/v3/wallet"
-	"decred.org/dcrwallet/v3/wallet/txauthor"
-	"decred.org/dcrwallet/v3/wallet/udb"
+	"decred.org/dcrwallet/v4/wallet"
+	base "decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/txauthor"
+	"decred.org/dcrwallet/v4/wallet/udb"
 	walletloader "github.com/decred/dcrlnd/lnwallet/dcrwallet/loader"
 )
 
@@ -122,7 +122,7 @@ func New(cfg Config) (*DcrWallet, error) {
 		if !walletExists {
 			// Wallet has never been created, perform initial set up.
 			wallet, err = loader.CreateNewWallet(context.TODO(), cfg.PublicPass, cfg.PrivatePass,
-				cfg.HdSeed)
+				cfg.HdSeed, time.Now().Add(-time.Hour*24))
 			if err != nil {
 				return nil, err
 			}
diff --git a/lnwallet/interface.go b/lnwallet/interface.go
index d43d3ab2ae..57ed3722c0 100644
--- a/lnwallet/interface.go
+++ b/lnwallet/interface.go
@@ -6,8 +6,8 @@ import (
 	"sync"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
-	"decred.org/dcrwallet/v3/wallet/txauthor"
+	"decred.org/dcrwallet/v4/wallet"
+	"decred.org/dcrwallet/v4/wallet/txauthor"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4/ecdsa"
diff --git a/lnwallet/parameters.go b/lnwallet/parameters.go
index 00922e1e6d..63ed1affd6 100644
--- a/lnwallet/parameters.go
+++ b/lnwallet/parameters.go
@@ -1,7 +1,7 @@
 package lnwallet
 
 import (
-	"decred.org/dcrwallet/v3/wallet/txrules"
+	"decred.org/dcrwallet/v4/wallet/txrules"
 	"github.com/decred/dcrd/dcrutil/v4"
 	"github.com/decred/dcrlnd/input"
 	"github.com/decred/dcrlnd/lnwallet/chainfee"
diff --git a/lnwallet/remotedcrwallet/extended_wallet.go b/lnwallet/remotedcrwallet/extended_wallet.go
index aebe499f09..2c2a75beb4 100644
--- a/lnwallet/remotedcrwallet/extended_wallet.go
+++ b/lnwallet/remotedcrwallet/extended_wallet.go
@@ -4,7 +4,7 @@ import (
 	"errors"
 	"io"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
 	"github.com/decred/dcrd/txscript/v4/stdaddr"
diff --git a/lnwallet/remotedcrwallet/keychain_test.go b/lnwallet/remotedcrwallet/keychain_test.go
index 7d2a9d1822..f4e0a44a8b 100644
--- a/lnwallet/remotedcrwallet/keychain_test.go
+++ b/lnwallet/remotedcrwallet/keychain_test.go
@@ -6,12 +6,13 @@ import (
 	"io/ioutil"
 	"os"
 	"testing"
+	"time"
 
 	"github.com/decred/dcrlnd/channeldb"
 	"github.com/decred/dcrlnd/keychain"
 	"github.com/decred/dcrlnd/lnwallet"
 
-	base "decred.org/dcrwallet/v3/wallet"
+	base "decred.org/dcrwallet/v4/wallet"
 
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
@@ -77,8 +78,9 @@ func createTestWallet() (func(), *hdkeychain.ExtendedKey, *channeldb.DB, onchain
 
 	pass := []byte("test")
 
+	birthday := time.Now().Add(-time.Hour * 24)
 	baseWallet, err := loader.CreateNewWallet(
-		context.Background(), pass, pass, testHDSeed[:],
+		context.Background(), pass, pass, testHDSeed[:], birthday,
 	)
 	if err != nil {
 		return nil, nil, nil, nil, err
diff --git a/lnwallet/remotedcrwallet/remotedcrwchainio.go b/lnwallet/remotedcrwallet/remotedcrwchainio.go
index 53e4649d7f..8723f034c0 100644
--- a/lnwallet/remotedcrwallet/remotedcrwchainio.go
+++ b/lnwallet/remotedcrwallet/remotedcrwchainio.go
@@ -4,7 +4,7 @@ import (
 	"context"
 	"time"
 
-	"decred.org/dcrwallet/v3/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/wire"
 
diff --git a/lnwallet/remotedcrwallet/signer.go b/lnwallet/remotedcrwallet/signer.go
index 693f0ef54b..7cec8632d7 100644
--- a/lnwallet/remotedcrwallet/signer.go
+++ b/lnwallet/remotedcrwallet/signer.go
@@ -9,7 +9,7 @@ import (
 	"google.golang.org/grpc/codes"
 	"google.golang.org/grpc/status"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/dcrec"
 	"github.com/decred/dcrd/dcrec/secp256k1/v4"
diff --git a/lnwallet/remotedcrwallet/wallet.go b/lnwallet/remotedcrwallet/wallet.go
index 8b87a29655..2f576d742f 100644
--- a/lnwallet/remotedcrwallet/wallet.go
+++ b/lnwallet/remotedcrwallet/wallet.go
@@ -11,12 +11,12 @@ import (
 	"sync/atomic"
 	"time"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
-	"decred.org/dcrwallet/v3/wallet"
-	base "decred.org/dcrwallet/v3/wallet"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
+	"decred.org/dcrwallet/v4/wallet"
+	base "decred.org/dcrwallet/v4/wallet"
 	"google.golang.org/grpc"
 
-	"decred.org/dcrwallet/v3/wallet/txauthor"
+	"decred.org/dcrwallet/v4/wallet/txauthor"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrec"
diff --git a/lnwallet/test/test_interface.go b/lnwallet/test/test_interface.go
index 28b53cff86..3b65e8f007 100644
--- a/lnwallet/test/test_interface.go
+++ b/lnwallet/test/test_interface.go
@@ -24,7 +24,7 @@ import (
 	"golang.org/x/exp/slices"
 	"matheusd.com/testctx"
 
-	_ "decred.org/dcrwallet/v3/wallet/drivers/bdb"
+	_ "decred.org/dcrwallet/v4/wallet/drivers/bdb"
 
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
diff --git a/routing/chainview/dcrwallet.go b/routing/chainview/dcrwallet.go
index 55da436450..82c0fc6fc5 100644
--- a/routing/chainview/dcrwallet.go
+++ b/routing/chainview/dcrwallet.go
@@ -1,7 +1,7 @@
 package chainview
 
 import (
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrlnd/blockcache"
 	"github.com/decred/dcrlnd/chainntnfs/dcrwnotify"
 	"github.com/decred/dcrlnd/chainntnfs/remotedcrwnotify"
diff --git a/routing/chainview/interface_test.go b/routing/chainview/interface_test.go
index 97e35d7e97..1f2bb144f9 100644
--- a/routing/chainview/interface_test.go
+++ b/routing/chainview/interface_test.go
@@ -8,7 +8,7 @@ import (
 	"testing"
 	"time"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrd/dcrec"
@@ -546,16 +546,31 @@ func testFilterBlockDisconnected(node *rpctest.Harness,
 
 	ctxb := context.Background()
 
+	// NOTE(decred): the original upstream test that reorgs all the way to
+	// genesis has been removed here in favor of only testing the 10-way
+	// reorg due to SPV not (easily) exposing a reorg all the way to
+	// genesis.
+
 	// Create a node that has a shorter chain than the main chain, so we
 	// can trigger a reorg.
 	reorgNode, err := testutils.NewSetupRPCTest(
-		testctx.New(t), 5, netParams, nil, []string{"--txindex"}, true, 5,
+		testctx.New(t), 5, netParams, nil, []string{"--txindex"}, false, 0,
 	)
 	if err != nil {
 		t.Fatalf("unable to create mining node: %v", err)
 	}
 	defer reorgNode.TearDown()
 
+	// Connect the node with the short chain to the main node, and wait
+	// for their chains to synchronize.
+	if err := rpctest.ConnectNode(ctxb, reorgNode, node); err != nil {
+		t.Fatalf("unable to connect harnesses: %v", err)
+	}
+	nodeSlice := []*rpctest.Harness{node, reorgNode}
+	if err := rpctest.JoinNodes(ctxb, nodeSlice, rpctest.Blocks); err != nil {
+		t.Fatalf("unable to join node on blocks: %v", err)
+	}
+
 	// Init a chain view that has this node as its block source.
 	cleanUpFunc, reorgView, err := chainViewInit(t, reorgNode)
 	if err != nil {
@@ -575,60 +590,11 @@ func testFilterBlockDisconnected(node *rpctest.Harness,
 	newBlocks := reorgView.FilteredBlocks()
 	disconnectedBlocks := reorgView.DisconnectedBlocks()
 
-	_, oldHeight, err := reorgNode.Node.GetBestBlock(context.TODO())
-	if err != nil {
-		t.Fatalf("unable to get current height: %v", err)
-	}
-
-	// Now connect the node with the short chain to the main node, and wait
-	// for their chains to synchronize. The short chain will be reorged all
-	// the way back to genesis.
-	if err := rpctest.ConnectNode(ctxb, reorgNode, node); err != nil {
-		t.Fatalf("unable to connect harnesses: %v", err)
-	}
-	nodeSlice := []*rpctest.Harness{node, reorgNode}
-	if err := rpctest.JoinNodes(ctxb, nodeSlice, rpctest.Blocks); err != nil {
-		t.Fatalf("unable to join node on blocks: %v", err)
-	}
-
 	_, newHeight, err := reorgNode.Node.GetBestBlock(context.TODO())
 	if err != nil {
 		t.Fatalf("unable to get current height: %v", err)
 	}
 
-	// We should be getting oldHeight number of blocks marked as
-	// stale/disconnected. We expect to first get all stale blocks,
-	// then the new blocks. We also ensure a strict ordering.
-	for i := int64(0); i < oldHeight+newHeight; i++ {
-		select {
-		case block := <-newBlocks:
-			if i < oldHeight {
-				t.Fatalf("did not expect to get new block "+
-					"in iteration %d, old height: %v", i,
-					oldHeight)
-			}
-			expectedHeight := i - oldHeight + 1
-			if block.Height != expectedHeight {
-				t.Fatalf("expected to receive connected "+
-					"block at height %d, instead got at %d",
-					expectedHeight, block.Height)
-			}
-		case block := <-disconnectedBlocks:
-			if i >= oldHeight {
-				t.Fatalf("did not expect to get stale block "+
-					"in iteration %d", i)
-			}
-			expectedHeight := oldHeight - i
-			if block.Height != expectedHeight {
-				t.Fatalf("expected to receive disconnected "+
-					"block at height %d, instead got at %d",
-					expectedHeight, block.Height)
-			}
-		case <-time.After(10 * time.Second):
-			t.Fatalf("timeout waiting for block")
-		}
-	}
-
 	// Now we trigger a small reorg, by disconnecting the nodes, mining
 	// a few blocks on each, then connecting them again.
 	peers, err := reorgNode.Node.GetPeerInfo(context.TODO())
@@ -689,7 +655,7 @@ func testFilterBlockDisconnected(node *rpctest.Harness,
 		}
 	}
 
-	_, oldHeight, err = reorgNode.Node.GetBestBlock(context.TODO())
+	_, oldHeight, err := reorgNode.Node.GetBestBlock(context.TODO())
 	if err != nil {
 		t.Fatalf("unable to get current height: %v", err)
 	}
diff --git a/rpcserver.go b/rpcserver.go
index a720cc050a..1eff2d259c 100644
--- a/rpcserver.go
+++ b/rpcserver.go
@@ -17,7 +17,7 @@ import (
 	"sync/atomic"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet/txauthor"
+	"decred.org/dcrwallet/v4/wallet/txauthor"
 	"github.com/davecgh/go-spew/spew"
 	"github.com/decred/dcrd/chaincfg/chainhash"
 	"github.com/decred/dcrd/chaincfg/v3"
diff --git a/sample-dcrlnd.conf b/sample-dcrlnd.conf
index f8017369cc..a7f9afd47c 100644
--- a/sample-dcrlnd.conf
+++ b/sample-dcrlnd.conf
@@ -567,6 +567,10 @@
 ; instead of performing node address discovery.
 ; dcrwallet.spvconnect = 127.0.0.1:9108
 
+; Whether to disable receiving mempool transactions from other peers when in SPV
+; mode.
+; dcrwallet.disablerelaytx = 1
+
 [autopilot]
 
 ; If the autopilot agent should be active or not. The autopilot agent will
diff --git a/walletunlocker/dcrlnd_service.go b/walletunlocker/dcrlnd_service.go
index 7bbb2e1bff..a1b3127906 100644
--- a/walletunlocker/dcrlnd_service.go
+++ b/walletunlocker/dcrlnd_service.go
@@ -7,7 +7,7 @@ import (
 	"fmt"
 	"io/ioutil"
 
-	pb "decred.org/dcrwallet/v3/rpc/walletrpc"
+	pb "decred.org/dcrwallet/v4/rpc/walletrpc"
 	"github.com/decred/dcrd/hdkeychain/v3"
 	"github.com/decred/dcrlnd/lnrpc"
 	"google.golang.org/grpc"
diff --git a/walletunlocker/service.go b/walletunlocker/service.go
index c2d1e3fdea..7d8716f528 100644
--- a/walletunlocker/service.go
+++ b/walletunlocker/service.go
@@ -20,7 +20,7 @@ import (
 	"github.com/decred/dcrlnd/lnwallet"
 	"github.com/decred/dcrlnd/macaroons"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrlnd/lnwallet/dcrwallet"
 	walletloader "github.com/decred/dcrlnd/lnwallet/dcrwallet/loader"
 	"google.golang.org/grpc"
@@ -339,11 +339,15 @@ func (u *UnlockerService) GenSeed(_ context.Context,
 		}
 	}
 
+	// Subtract 24h from the birthday, to ensure no reorgs could possibly
+	// make us miss some transactions.
+	birthday := time.Now().Add(-time.Hour * 24)
+
 	// Now that we have our set of entropy, we'll create a new cipher seed
 	// instance.
 	//
 	cipherSeed, err := aezeed.New(
-		keychain.KeyDerivationVersion, &entropy, time.Now(),
+		keychain.KeyDerivationVersion, &entropy, birthday,
 	)
 	if err != nil {
 		return nil, err
diff --git a/walletunlocker/service_test.go b/walletunlocker/service_test.go
index 5e1ab63c61..c3d1cf3d64 100644
--- a/walletunlocker/service_test.go
+++ b/walletunlocker/service_test.go
@@ -10,7 +10,7 @@ import (
 	"testing"
 	"time"
 
-	"decred.org/dcrwallet/v3/wallet"
+	"decred.org/dcrwallet/v4/wallet"
 	"github.com/decred/dcrd/chaincfg/v3"
 	"github.com/decred/dcrlnd/aezeed"
 	"github.com/decred/dcrlnd/keychain"
@@ -69,10 +69,11 @@ func createTestWalletWithPw(t *testing.T, pubPw, privPw []byte, dir string,
 	*/
 
 	// Create a new test wallet that uses fast scrypt as KDF.
+	birthday := time.Now().Add(-time.Hour * 24)
 	netDir := dcrwallet.NetworkDir(dir, netParams)
 	loader := walletloader.NewLoader(netParams, netDir, wallet.DefaultGapLimit)
 	_, err := loader.CreateNewWallet(
-		context.Background(), pubPw, privPw, testSeed,
+		context.Background(), pubPw, privPw, testSeed, birthday,
 	)
 	require.NoError(t, err)
 	err = loader.UnloadWallet()